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Like most people, I used to factor groceries, toiletries, and household items into my regular budget.

The cost of those items had to be deducted from my cash flow. That was before I discovered how to pay for most of my household needs without ever dipping into my regular income. Thanks to online surveys and Amazon.com, I haven’t paid for very many household items in several years.

I’ve been doing surveys and focus groups for many years. When I first started, I just did the sites that pay a few cents per survey. That was really a waste of my time, but every so often I would get invited to participate in a special focus group that paid more. Man

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For those individuals making huge amounts of monthly payments, you have some options.

You do not need to keep paying that much, and it’s an unnecessary drain on your finances. Instead, you would be better off going another direction. That direction is debt settlement, as it can cut your payment amounts by 60% or more if you’re sharp in the negotiations.

Hector Milla Editor of the “Credit Card Debt Free” website — http://www.CreditCardDebtFree.org — pointed out;

“…How does this work exactly? The process involves you getting touch with creditors when you debt gets to be months or years old. You let them kn Read more…

When I was younger, I hated to go back to school shopping.

Every year, as the calendar pages turned and Labor Day approached, I dreaded my mother’s announcement that we would be headed to the store to buy clothes for school. That always meant a trip to the nearest Sears for shirts and corduroy pants and then to Hanlon’s shoes for school shoes. Inevitably, it also meant stopping for school supplies and for every other thing that my Mom felt that our household needed. It was an all day affair and one that cruelly deprived me of one of the final days of summer. Eve

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By Peter A. McKay And Kristina Peterson

Stocks slipped, hurt by disappointing readings of manufacturing and jobless claims that fueled investors’ worries about the U.S. economy.

A strengthening of the euro and modest gains in some safe-haven stock sectors like utilities and consumer staples helped to limit the declines major indexes. But the trading session’s overall tone has been decidedly downbeat, with the major averages retreating from near break-even as the afternoon has progressed.

The Dow Jones Industrial Average was off by 46 points to 10363, off 0.4%. It was led by a 2.7% decline in Alcoa. The S&P 500 was off 0.6%, led by a 1.3% drop in its consumer-discretionary sector.

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Many of us want to enjoy a comfortable retirement. We think about what we can do, and we save up, doing our best to build up our nest eggs so that we can do what we want in retirement (or semi-retirement, as the case may be). However, while you are think about your comfortable retirement, you might actually be missing some of the items that put your retirement at risk. Here are 5 things that could be putting your dreams of a comfortable retirement at risk:

1. Inadequate Savings

Many of us are putting something away for retirement. But is it enough?

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